Financial
Mortgage vs Invest Calculator
Compare the financial return of mortgage overpayments versus investing the cash
When you have surplus cash, you can overpay your mortgage (guaranteed return at your rate) or invest it (potentially higher but uncertain returns).
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Tip: Consider a split strategy - some cash toward the mortgage and some invested, for both psychological and financial diversification.
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Fun Fact
Vanguard research shows equities outperformed mortgage rates in approx 75% of 10-year periods since 1980.
References
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